Traveling is a life-changing experience that leaves you with beautiful memories and stories to cherish. It is so much more than an ideal social media post as you experience the world on your own or with your family and friends by your side. There’s always a place to explore, a lesson to learn, and an opportunity to make new friends during a journey.
And traveling overseas can be done for many reasons, such as studies, work, or leisure. However, loss of luggage or a passport, airline cancellations, and medical emergencies are all regular occurrences. These risks could hinder your plans to have a perfect trip to a different country. It is where travel insurance coverage can help by offering financial protection against losses and risks that may occur during the journey.
What is the definition of a travel insurance policy?
Travel insurance is a type of policy that protects you against the risks of traveling. Trip cancellation, medical bills, passport loss, and other situations are all covered in this insurance. It can compensate you for losses during domestic or foreign travel.
And it is a handy policy if you’re a frequent traveler. Here are some of the losses covered under comprehensive travel insurance:
- Trip cancellations
- Loss of personal belongings
- Loss of passport
- Medical emergencies
- Stolen items
- Canceled bookings
- Emergency evacuation
If you’re planning international travel anytime soon, here are the top reasons you should get travel insurance coverage to secure your trip!
Loss of passport and personal belongings
When you face a situation where your passport and personal items are lost or stolen, travel insurance coverage provides relief during uncertainty and stress. As a stolen passport could lead to legal issues, a good travel insurance plan would cover the costs of obtaining a new passport copy, compensation for essential supplies if your baggage is delayed, and give compensation for baggage loss.
Flight delays and cancellation
It is not uncommon for flights to get delayed or canceled at times. It could ruin a perfectly planned vacation or work trip. The reasons for this could be several. Think severe weather conditions, family emergency, or if you missed the flight. Since you’ve already paid for the tickets in advance, this is a financial loss. A travel insurance policy helps you claim compensation for flight delays or cancellations.
If you get sick or meet with an accident while on vacation, a travel insurance policy will help you get the proper treatment, ambulance fees, transportation, cost of a stay, and other expenses in a medical emergency. And most importantly, the plan may allow you to avoid paying fees for hospitalization.
Baggage loss and theft
It is an issue that many travelers can come across during a trip abroad. Bags can get misplaced, lost, or stolen, jeopardizing your trip. However, the travel insurance coverage will cover the loss of your baggage. It will reimburse you for the replacement costs and compensate you for the objects that have gone missing.
Other unforeseen emergencies
You may come across an emergency in uncommon circumstances. An example might be a natural disaster or a hijacking incident. Anything can happen when traveling abroad, and it can be a stressful experience. Travel insurance will arrange accommodation until you return home safely. If you’re planning a trip abroad shortly, you’ll be covered by comprehensive travel insurance.
When you purchase a travel insurance policy, you don’t have to be concerned about such risks and losses because professionals are accessible to help you round the clock. Also, don’t be concerned about the cost of getting one! Excellent travel insurance packages are available at reasonable prices to ensure that you and your family have a fantastic vacation together.
There are many types of travel insurance policies. These are:
Domestic travel insurance
It is a type of travel insurance that covers travel within India. It is insurance that protects you in the event of an accident, baggage loss, travel-related medical emergencies, and personal responsibility, which are all covered. Any Indian citizen traveling within India can get domestic travel insurance. International travelers can also purchase domestic travel insurance with the help of a work visa.
International travel insurance
It is best to get international travel insurance before departing on a foreign trip, whether for vacation or business. It safeguards you against unanticipated medical and non-medical crises during your travel. With the help of this policy, you can have a stress-free journey overseas. The policy covers baggage loss, medical expenses, loss of travel documents, and passports, with the basic coverage offered by travel insurance.
Must Check – Prune provides a basic guideline on exchanging foreign cash in India
Travel insurance for senior citizens
This policy is available to anyone between the ages of 61 and 70. It covers cashless hospitalization, health checkups, and dental treatments with conventional travel insurance.
Group travel insurance
A group travel insurance is a suitable option if a group of 20 or more people. It helps cover flight delays, baggage loss, and medical crises all under this policy.
Why should you turn to Prune for travel insurance coverage?
The Prune app and website guarantee to provide you with quality travel-related services to make your journey easier. Our team ensures that you have a safe trip by selling travel insurance and offering well-planned travel experiences. Using our online platform, you can access our services from any location and at any time. You can enjoy customized and affordable travel insurance packages from the comfort of your own home or office. In addition to travel services, we also provide online utility bill payments, SIM delivery, smartphone comparison feature, foreign exchange services, and more!